Virgin Money Low Rate Credit Card
By Virgin Money
At 12.99% p.a. lower your interest, not your standards.
Last product change: 08 Aug 2025
Last checked: 14 Aug 2025
Lending Rates
Fees
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Annual Fee | Periodic | $99.00 | P1Y | Annual fee charged on the card. |
| Balance Transfer Fee | Event | null | ||
| Additional Cardholder Fee | Periodic | $29.00 | P1Y | Fee charged for an additional card holder. |
| Late Payment Fee | Event | $30.00 | Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. | |
| Dishonour Fee | Event | $15.00 | Fee for each time a cheque or Direct Debit payment is dishonoured. | |
| Overlimit Fee | Event | $40.00 | Fee per statement period when your credit limit is exceeded. | |
| International Transaction Fee | Transaction | For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant. | ||
| Paper Statement Fee | Event | $2.00 | For each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances. | |
| Domestic Cash Advance below $100 | Withdrawal | $2.70 | Domestic cash withdrawals from your credit card. | |
| Over-the-Counter Fee (Bank@Post) | Event | $2.50 | null |
0 of
12 row(s) selected.
Page 1 of
2
Features
| Additional Cards | Unlimited additional cards $29 additional cardholder fee applies. Charged annually. Read more |
| Balance Transfer | Yes 0% p.a. for 15 months on balance transfers. Reverts to cash advance rate. No interest free days apply to purchases while you have a balance transfer. Read more |
| Interest Free Period | 55 days 0% p.a. for 15 months on balance transfers. Reverts to cash advance rate. No interest free days apply to purchases while you have a balance transfer. Read more |
| Loyalty Programs |
|